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Fenton Missouri Insurance Agency

The #1 Fenton Missouir Insurance Agency That Works For YOU!

Fenton Missouri Insurance Agency | MJM Insurance® of Fenton | (636) 343-5000If you are looking for a Fenton Missouri Insurance Agency, consider speaking with our professional agents with MJM Insurance® of Fenton insurance agency. You may have seen the terms independent insurance agencies, captive agencies. and so forth.  We are going to explain the difference, and why you should visit our independent insurance agency – MJM Insurance® of Fenton.

It is important to select an agency with agents who have been licensed for longer than a few years–our agent staff has a combined experience of over 60 years in the insurance industry–they are knowledgeable and competent.  Our agency requires all staff to maintain their credentials so we are always up to date on the many changes within the insurance industry.  It is imperative to select an agency with up to date license. The Missouri Department of Insurance explains the agency requirements. Our agents’ license is proof they we have passed state examinations that require a thorough understanding of insurance policies and practices.  Rest assured, MJM Insurance® of Fenton insurance agency upholds to these standards.

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Fenton Missouri Insurance Agent

MJM Insurance® of Fenton Is Your Trusted Partner

Fenton Missouri Insurance Agent | MJM Insurance® of Fenton | (636) 343-5000Often times our agents meet potential customers who have had an insurance agent for years and whom they have never met.  It is shocking to me that people put their life in the hands of a stranger and have no personal connection or relationship with their Fenton Missouri Insurance Agent. MJM Insurance® of Fenton agents pride ourselves on the fact that we take great interest in our clients’ and their family’s well-being. It is important that our clients trust the staff and licensed agents of our company.

We sit down with our clients and give a comprehensive account review to make sure they have the best protection.  We explain the coverage options, benefits, and potential risks based off their needs versus current their current insurance coverages. We take the time to walk our client’s through every step of the decision process to make their experience as educational and informative as possible.

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Fenton Missouri All-Terrain Vehicle Insurance Coverage

Fenton Missouri All-Terrain Vehicle Insurance Coverage is Very AffordableFenton Missouri All-Terrain Vehicle Insurance Coverage by MJM Insurance® of Fenton  (636) 343-5000

Many people own ATVs (all-terrain vehicles), whether they’re used for work or play.  Unfortunately, many of ATV owners are not covered by their Home or Auto Insurance policy.  If their ATV is stolen or badly damaged it may not be covered.  MJM Insurance® of Fenton can help you get the Fenton Missouri all-terrain vehicle insurance coverage you need to protect you and your investment.
Many states require ATV insurance for vehicles operated on state-owned land, and your homeowners policy might not cover you, or other riders on your ATV, if you ride off your own property. That’s why Fenton Missouri all-terrain vehicle insurance coverage  is especially important.

There are several types of ATVs and MJM Insurance® of Fenton can help you get the correct Fenton Missouri all-terrain vehicle insurance coverage you need.   The types of all-terrain vehicles include:

Off-Road Utility Vehicles

A “Utility vehicle” is “any motorized vehicle manufactured and used exclusively for off-highway use which is sixty-three inches or less in width, with an unladen dry weight of 1,850 pounds or less, traveling on four or six wheels, to be used primarily for landscaping, lawn care, or maintenance purposes.”

  • Utility vehicles do not meet the definition of a motor vehicle or ATV, and will not be titled and registered.  Examples of off-road utility vehicles include, but are not limited to:
    • Minicab,
    • Mule,
    • Gator,
    • Max/Buffalo, Etc.
  • Utility vehicles cannot be operated upon the highways of this state unless they are:The operator must have a valid driver license, but does not have to be motorcycle qualified.
    • Owned and operated by governmental entity for official use,
    • Operated for agricultural or industrial on-premise purposes, or
    • Operated by handicapped persons for short distances on secondary roads.
  • Cities/counties are allowed to issue special permits for utility vehicles to be used on county roads within the county or on highways within the city to licensed drivers for a fee of $15. The fee is to be kept by such city/county.
  • The seller of a utility vehicle is responsible for collecting and remitting all applicable state and local tax on new utility vehicles.
    • Utility vehicle owners may qualify for a “farm use” tax exemption.

Recreational Off-Highway Vehicles

A “Recreational Off-Highway Vehicle” is “any motorized vehicle manufactured and used exclusively for off-highway use which is sixty-four inches or less in width, with an unladen dry weight of two thousand pounds or less, traveling on four or more nonhighway tires, with a nonstraddle seat, and steering wheel, which may have access to ATV trails.”

  • Recreational off-highway vehicles do not meet the definition of a motor vehicle or ATV, and will not be titled and registered.

MJM Insurance® of Fenton offers a variety of ATV insurance coverages, including:


In most circumstances, Comprehensive ATV insurance coverage pays for damage to your ATV if it’s caused by an event other than a collision. For instance, if your ATV is damaged by fire, theft, vandalism, flooding, or an animal, Comprehensive coverage will likely apply. You just pay the deductible you selected, and your ATV insurance will cover the rest.


Collision pays for significant physical damage to your ATV if you hit another ATV, a tree, a parked vehicle, a big rock, a stump, a fence post, or other obstacle. You just pay the deductible you selected, and your Collision coverage will pay for the rest. Due to the rough nature in which many ATVs are used, Collision does not provide coverage for scrapes, scratches, minor dings/dents, and other cosmetic/non-structural damage.

Bodily Injury & Property Damage Liability

ATV insurance coverage offers Bodily Injury and Property Damage Liability to pay for injuries to people or damage to property caused by your ATV. Liability coverage also protects your assets, up to the limits you choose.

Uninsured/Underinsured Motorist

If the person at fault for an accident doesn’t have insurance – or doesn’t have enough insurance – Uninsured/Underinsured Motorist Bodily Injury will pay for injuries and damages you suffer that the at-fault party is legally liable for, such as medical treatment and lost wages. You simply select the amount of ATV insurance coverage you want, and you’re protected up to those limits.

Several factors can affect your ATV insurance rate. You may not be able to control them all, but there are a few things you can do if you have ATV insurance coverage and want to keep your rates low:

Ride Smart.  If you have violations on your driving record or claims on your ATV insurance policy, your rates will be higher.  Choose the right ATV for your needs. For example, if you race ATVs, those vehicles are considered more aggressive machines, and typically cost more to insure.

Similar to  Fenton Missouri all-terrain vehicle insurance coverage, MJM Insurance® of Fenton offers recreational vehicle insurance, boat insurance, powersports insurance and motorcyle insurance coverages.  Owning additional ATVs on your policy will qualify you for multi policy discounts.  Please contact one of our insurance agents for any assistance. 

According to The Missouri Department of Revenue, you have 30 days from the date of purchase to title and pay sales tax on your newly purchased ATV.  If you do not title the ATV within 30 days, there is a title penalty of $25 on the 31st day after purchase. The penalty increases another $25 for every 30 days you are late with a maximum penalty of $200.



Why Choose MJM Insurance® of Fenton?

We’re committed to outstanding customer service

We start by offering the best insurance products at a reasonable price. But it’s the MJM Insurance® of Fenton team that really set us apart from the competition. With combined experience of 60 years, our sales and support staff members can handle your transactions quickly and efficiently. We service each and every account using out team of insurance professionals and we’re always available to answer your questions.

We’re committed to professionalism

Our dedication to client service comes from a culture of professionalism and respect. All of our associates at MJM Insurance® of Fenton have strong credentials and all of our policies are presented to you in a consistent and professional manner.

We’re committed to solving problems quickly

MJM Insurance® of Fenton has unique industry relationships, allowing us to provide exclusive insurance solutions to our customers. Additionally, every staff member is trained to actively listen and provide helpful answers presented in a way in which our policy holders clearly understand.

We’re committed to earning and maintaining your trust

We believe trust is something earned by listening to our customers while providing helpful advice and support. Trust and consistent underwriting practices is what we expect from our carrier partners, and in return we owe the same level of service to you.

Missouri Boat Insurance: Risks and Coverages

Bass Boat by MJM Insurance of Fenton (636) 343-5000Missouri Boat Insurance

If you have a Missouri homeowners insurance policy, you may have some coverage for your watercraft, but it is very, very minimal.   A typical homeowners policy may pay up to $1,000 or $1500 to repair damage to your boat, but — that damage has to occur while the boat is at your home.  Although helpful (e.g., a tree falls on your boat), this is not  the kind of Missouri boat insurance coverage you really need. In addition, there may be some liability coverage, but it depends on the size of your engine — normally only outboard engines of 25 hp or less.

You could gamble and not buy insurance for your watercraft, but that’s a big gamble. You’re risking not only losing or severely damaging the boat in an accident, but possibly your other assets, if your boat causes property damage or bodily injury.

What you’ll learn about Missouri Boat Insurance from this article:

  • What is and what is NOT covered in a standard Homeowner’s Policy for your boat
  • Understand about the different kinds of“watercraft” insurance
  • Ways to save money on boat insurance
  • Missouri Boat Insurance coverages you may need…depending on what you do with your boat
  • Missouri Boat Insurance terms explained.  What are you really getting?

Missouri Boat Insurance Options…How to Choose

First, you need to know that there are three types of “boats.”

  • Anything less than 16 feet long is usually called “personal watercraft” by most insurers. This includes Jet Skis and Waverunners.
  • “Boats” are 16 feet to 25 feet, 11 inches.
  • Anything at least 26 feet long is classified as a “yacht.”

The Missouri watercraft insurance that you will need depends on the size and type of watercraft and how it is used.   For example, if you use your watercraft for water-skiing, make sure you get coverage for this exposure as well. (Depending on the insurance company, it may not be automatically covered.)  Generally, your Missouri Boat Insurance policy should include coverage for injuries to you and your passengers, the craft itself, property and bodily injury liability (for damage and injuries to other crafts and people) and theft. You can also get coverage for the trailer(s) you use to transport the watercraft.

The Missouri Boater Safety Handbook is an excellent  resource to learn more about Boating in Missouri.

Missouri Watercraft Insurance for Powerboats & Sailboats

Sail Boat by MJM Insurance of Fenton (636) 343-5000

Insurance companies generally define a “boat” as 16 to 25′ 11″ powerboats and sailboats.  Standard policies for boats cover damage to the craft, including damage caused by fire, lightning, theft, vandalism, collisions, and windstorms.  The coverage is usually for the boat itself, outboard motor(s), the boat’s trailer and personal property on the craft that is part of the normal operation of the vessel. Many insurers offer separate coverage for other personal property such as fishing or diving equipment.

Depending on the insurance company and the age of your boat, you may find a variety of claim settlement options in the event that your boat experiences a total loss.  The best coverage, usually available only on recently manufactured or newer watercraft, is “replacement cost” where the company will “replace” your loss with the same or similar new boat.  Other options include “agreed value” where you and the insurance company agree in advance what the settlement value will be in a total loss, and “actual cash value or ACV” where the insurance company will pay the fair market value of the boat at the time of the loss up to a specified rating base.e craft that is part of the normal operation of the vessel.

The standard Missouri boat insurance policy also provides liability coverage, which is usually offered in increments of $100,000 to as much as $1 million.  Many also offer an boat umbrella liability insurance policy that will increase the liability limits into the millions.   Most boat policies also cover medical expenses incurred by you, your family and any other passengers on board.

Missouri Yacht Insurance

Missouri Boat Insurance by MJM Insurance of Fenton (636) 343-5000If your watercraft is 26 feet or longer, you may need to buy yacht insurance, which provides basically the same coverage as Missouri boat insurance, but the policy terms are different. Under a boat policy, coverage for damage to the craft is called “physical damage.”   Under a yacht policy, the boat is referred to as ”hull.” Liability coverage under a yacht policy carries the name “property and indemnity,” which insurance companies  abbreviate as P&I.  As with boat liability coverage, P&I is available in increments of $100,000. Depending on the size of your craft, you can buy P&I limits from $300,000 to as much as $50 million.

Although some terms are different and the coverage limits may be different, Yacht insurance coverage is basically the same as for a Boat.  There may be some differences depending on how and where used, etc….  Our Missouri boat insurance specialist can help you with the options to cover your risks properly.

The cost of your boat or yacht policy is based on a variety of factors: horsepower; how fast it moves (it can cost as much as 50% more to insure a speedboat than it does a sailboat of similar size); where it is to be used; age of the craft and experience of the vessel’s operator.

Missouri Boat Insurance Savings Tip:  Insurers often offer discounts of 5% to 20% to those boat/yacht owners who have taken an approved boating safety course.  Discounts are usually available from some insurers for newer vessels and protective devices (depth finders, ship-to-shore radios, burglar alarms). You can also save money on the policy by electing a higher deductible.

Boating is not a cheap hobby or sport and carries with it many potential risks which is the main reason why Missouri watercraft insurance is not cheap. Therefore,  it really is important to assess your risks, define the coverages you need, and to find the companies that offer the best value for the protection you need.  This task not easy and generally requires the assistance from an insurance professional who has experience and knowledge of watercraft insurance.   There are a lot of different policies and coverage options available. Some policies might be significantly cheaper than others, but they may not offer the insurance coverages you need to cover your risks.

Missouri Boat Insurance Shopping Tip:  Watercraft Insurance is a complex with many options.  Let our experience watercraft insurance specialist help you to assess your risks, define the coverages you need, and shop the Missouri Boat Insurance companies to find the best protection and value for you.

We recommend the Missouri Boater Safety Handbook to learn more about boating in Missouri.   


MJM Insurance® of Fenton opened in 2002 as a full service Independent Insurance Agency that represents many top-rated companies.  We assess risks and shop companies to find the best coverage for the price.  One of our Insurance Agents can help you get the best value for the insurance you need.

With a combined experience of over 60 years in the insurance industry, our agents are knowledgeable and competent specializing in automobile, homeowners, renters, boatmotorcycle, commercial automobile, workers compensation, and general liability.  We proudly serve all of St. Louis and Jefferson counties including Fenton, High Ridge, Arnold, Imperial, Valley Park, Ballwin, Wildwood, Eureka, Pacific, House Springs, Hillsboro, Sunset Hills, Crestwood, Manchester, and St. Clair.

MJM Insurance® of Fenton represents many of the industry’s premier national and regional insurance companies offering competitive rates through Travelers, Safeco, EMC, Kemper Preferred, Progressive, The Hartford, West Bend, Chubb and many more.

For our clients’ convenience, our Insurance Agents are available for after hours appointments and Saturdays. Our normal office hours are Monday – Friday from 9 to 5 (don’t be surprised to find us here much later or on weekends).  We are dedicated to providing the most exceptional and timely customer service in the industry.

Call, request a quote by email, or visit us at our office today for a free, no obligation risk assessment and quote.  Let us do the research and find the best value for the Boat Insurance Policy you need.

 Personal Insurance Coverage for Different Needs

On the right sidebar of this page, we have include links to a number of personal insurance resources.  Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages.   Please contact one of our insurance agents for any assistance.